Libery Life, ********* MONEY GOUGHERS!

So today I get a new updated policy document from Liberty Life. All good and well, no futher information or documentation required for them to increase the policy risk amount as well as the premium.

I however want to reduce my policy risk amount, due to retirement. No, they say, if you want to reduce your policy amount you must undergo a medical and apply for the policy all over again! HOW ********* IS THAT! ABSOLUTE GOUGHING!!